What documentation do I need to file a car insurance claim with Liberty Mutual?

Filing a car insurance claim can often feel stressful. There are two priorities: Submitting the claim immediately after an accident so the process can begin and submitting all the right documents that your insurance company needs.

If you have a policy with Liberty Mutual, one of the best car insurance companies that sell online, you may wonder just what documentation you need to file a car insurance claim with Liberty Mutual. We’ve compiled the information for you.

Documentation Needed to File a Car Insurance Claim With Liberty Mutual

When you have an accident, filing a claim immediately is very important. It’s a good idea to file a car insurance claim before leaving the accident scene. Check yourself and your passengers for injuries, and call the police if necessary.

Exchange insurance information with anyone else involved in the accident if you can. Then you can file a claim with Liberty Mutual using their online process from a smartphone.(For more information, read our “How do I file a car insurance claim with Liberty Mutual?“).

Fortunately, Liberty Mutual’s process to file a claim is very quick, and the company estimates you can complete it in only 5-10 minutes. This is just the start of the claims process, and you can share many documents later on as they become available. For now, Liberty Mutual only requires a few things:

• Your login information (this will also automatically provide Liberty Mutual with important information like your policy number, etc.)
• The approximate date of the incident. It doesn’t have to be down to the minute but try to be accurate.
• A basic report about what happened. Describe what occurred during the accident, being as factual as possible. Don’t try to defend yourself. Simply say what happened to your car and the people inside it.

After this, Liberty Mutual can start the claims process, and you don’t need to do anything else for now.

Read more:

• How long does it take for Liberty Mutual to process a car insurance claim?
• How does Liberty Mutual handle claims involving hit-and-run accidents?
• What happens if I disagree with Liberty Mutual’s decision on my car insurance claim?
• Will my insurance rates go up if I file a car insurance claim with Liberty Mutual?
• How long do you have to file a life insurance claim?

Follow-up Documents Needed to File a Car Insurance Claim With Liberty Mutual

After beginning a claim, you can wait and see what documents Liberty Mutual will request from you. However, you can expect that the insurance company will want several different reports, such as:

• A damage estimate from a repair shop. If you visit a repair shop within Liberty Mutual’s Guaranteed Repair Network, they may be able to help you with this part. This is especially important if the repair estimate differs from the estimate that Liberty Mutual will create.
• Any police reports about the accident.
• Repair scheduling once your appointment has been confirmed
• Photos of the accident when it occurred. It’s a very good idea to take photos of the accident site, your vehicle’s damage, and other vehicles involved in the accident from multiple angles. You can send these to Liberty Mutual at a later date.
• Any medical reports and bills associated with the accident, which may be necessary to prove injuries and expenses.

The good news is that Liberty Mutual’s online portal allows you to log in, check the status of your claim, and upload all kinds of documents, including those listed above. Upload PDFs or make scans of physical documents and add them to your claim whenever they become available.

Learn more about Liberty Mutual by visiting our Liberty Mutual Insurance review.

Special Cases and Documentation Needed to File a Car Insurance Claim With Liberty Mutual

In some cases, auto insurance companies like Liberty Mutual may require additional documentation. For example, if your vehicle is totaled (or stolen), they must do a separate valuation process to determine how much to pay.

Also, if you rent a car with a compatible renter, you may need to upload your rental agreement so Liberty Mutual can cover it — learn more about how much car insurance you need.

Read more: What is Liberty Mutual’s policy on rental car coverage during the claims process?

And in some cases, repair shops will find additional damage that wasn’t included in the original estimates, which you should file ASAP so the insurance company has updated information.

Case Studies: Filing Car Insurance Claims With Liberty Mutual

Case Study 1: Immediate Claim Filing

Sarah was involved in a car accident and quickly filed a claim with Liberty Mutual using their online process from her smartphone. She provided the required documentation, including the accident report and photos of the damage. Liberty Mutual promptly initiated the claims process, assuring Sarah that further documentation could be submitted later if needed.

Case Study 2: Organized Follow-up Documents

John’s vehicle was stolen, and he filed a claim with Liberty Mutual. As the process progressed, Liberty Mutual requested additional documents, such as a separate valuation for the totaled vehicle.

John used Liberty Mutual’s online portal to upload the requested documents, including the rental agreement for a replacement vehicle. His organized approach to providing follow-up documentation ensured a smooth and efficient claims process.

Case Study 3: Updated Repair Estimates

Emily’s car was damaged in an accident, and she filed a claim with Liberty Mutual. After the initial repair estimate, the repair shop discovered additional damage that wasn’t included. Emily promptly filed the updated repair estimates through Liberty Mutual’s online portal. This allowed Liberty Mutual to have the most up-to-date information for her claim.

Final Notes on What Documentation Is Needed to File a Car Insurance Claim With Liberty Mutual

If everything goes well, Liberty Mutual will contact you about your claim and its progress within one to two days. You can check the status online or contact your assigned claims representative with questions. You can also compare car insurance to see how other companies pay for accidents.